Documents Required For Loan of All Categories

See all documents required for loan —

Home Loan, Personal Loan, Business Loan, MSME, Mortgage, Machinery & Invoice Discounting. Complete KYC & financial checklist.

Home Loan – Documents Required

For Salaried Individuals

  • PAN Card

  • Aadhaar Card / Any Government ID

  • Last 3 months’ Salary Slips

  • Last 6 months’ Salary Account Bank Statement

  • Form 16 (latest)

  • Employment Certificate (if required)

  • Current Address Proof

  • Property Documents:

    • Sale Agreement

    • Allotment Letter

    • Builder Demand Letter

    • Property Tax Receipt

    • NOC from Builder/Society

  • Passport-size photographs

For Self-Employed / Business Owners

  • PAN Card

  • Aadhaar / Government ID

  • Last 3 Years ITR + Balance Sheet & P&L (CA audited preferred)

  • GST Registration + GST Returns (1 year)

  • Business Proof:

    • Trade License

    • Shop Establishment Certificate

    • Partnership Deed/LLP Agreement

    • MSME Certificate

  • Last 12 months Current Account Bank Statements

  • Property Documents (as per Salaried)

  • Passport-size photos

Personal Loan – Documents Required

For Salaried Individuals

  • PAN Card

  • Aadhaar / Voter / Passport

  • Last 3 months’ Salary Slips

  • Last 6 months’ Bank Statement (Salary Account)

  • Employee ID card

  • Latest Form 16 (if required)

  • Address Proof

For Self-Employed / Business Owners

  • PAN + Aadhaar

  • Last 2–3 years ITR

  • 12 months Bank Statement (Business & Personal)

  • GST Returns

  • Business Registration Proof

  • Address Proof

Business Loan – Documents Required (Unsecured)

For Proprietorship / Self-Employed

  • PAN & Aadhaar

  • Last 2–3 years ITR

  • Audited Balance Sheet & P&L

  • GST Returns for 12 months

  • Business Registration:

    • MSME Certificate

    • Shop Act / Trade License

  • Last 12 months Current Account Statement

  • KYC of Proprietor

  • Address Proof (Business & Personal)

For Partnership / LLP / Private Limited Company

  • Company PAN Card

  • ROC Incorporation Certificate

  • MOA / AOA or Partnership Deed

  • PAN & Aadhaar of all Directors/Partners

  • Last 3 years audited Financial Statements

  • GST Returns (1 year)

  • Last 12 months Bank Statement (Current A/c)

  • Board Resolution for Borrowing

  • Address Proof of Directors + Office Address Proof

MSME Loan – Documents Required

For Proprietorship / Self-Employed

  • PAN & Aadhaar

  • Udyam / MSME Registration

  • Last 2–3 years ITR

  • 12 months Bank Statements

  • GST Returns

  • Business Proof (Shop Act/Trade License)

  • Financial Statements (BS + P&L)

For Partnership / LLP / Private Limited Company

  • Company PAN

  • ROC registration documents

  • MOA/AOA or Partnership Deed

  • Last 3 years audited financials

  • GST returns

  • Bank statements (12 months)

  • KYC of Directors/Partners

  • Board Resolution

Mortgage Loan (LAP – Loan Against Property)

For Salaried Individuals

  • PAN + Aadhaar

  • Last 3 months Salary Slips

  • Last 6 months Bank Statement (salary)

  • Employment proof

  • Property Documents:

    • Title Deed

    • Tax Receipts

    • Sanctioned Plan

    • Valuation Report

  • Address Proof

Self-Employed / Business

  • PAN + Aadhaar

  • Last 3 years ITR

  • Financials (Balance Sheet + P&L)

  • GST Returns

  • 12 months Bank Statements

  • Proof of business

  • Complete Property Documents + Valuation Report

For Partnership / LLP / Private Limited Company

  • Company PAN

  • ROC documents (COI, MOA/AOA)

  • KYC of directors

  • 3 years audited financials

  • GST filings

  • Board Resolution

  • Property documents

Equipment & Machinery Loan – Documents Required

Self-Employed / Business

  • PAN & Aadhaar

  • Last 3 years ITR + Audited Financials

  • GST Return 12 months

  • 12 months Bank Statements

  • Business Registration Proof

  • Proforma Invoice of Machinery

  • Existing loan statements (if any)

For Partnership / LLP / Private Limited Company

  • Company PAN

  • MOA/AOA, COI

  • Last 3 years audited financials

  • GST filings

  • Bank statements (12 months)

  • Board Resolution

  • Quotation / Proforma Invoice of Machinery

Invoice Discounting / Bill Discounting – Documents Required

For All Registered Businesses

  • PAN & Aadhaar of proprietor/partners/directors

  • GST Registration

  • Invoices to be Discounted

  • Purchase Orders / Work Orders / Contract Copies

  • Past 12 months Bank Statements

  • Last 2–3 years ITR

  • Business Registration (Udyam/MSME/ROC)

  • Debtor Ledger / Creditors List

  • GST Returns (1 year)

Additional for Companies

  • Company PAN

  • MOA, AOA

  • Board Resolution

  • Audited Financials (3 years)

Project Finance – Documents Required (₹5 Cr to ₹500 Cr)

Company / Corporate

  • Company PAN

  • Audited last 3–5 years Financial Statements

  • Net worth certificate

  • GST returns

  • Bank statements (12–24 months)

  • Detailed Project Report (DPR)

  • Feasibility Report / CMA Data

  • Land / Asset documents

  • Promoter KYC

  • Shareholding pattern

  • Company Documents (MOA, AOA, COI)

  • Cash flow projections for 5–10 years

  • Existing loan statements

  • CRISIL/External rating (if available)

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